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Message from SPOA

Welcome to the SPOA’s mortgage lending partner website!

As you all know, We strive to help every Association member achieve success personally & professionally. In the spirit of home, family & financial well-being, we are excited to announce a partnership with a leading mortgage company, Bay Equity Home Loans. This local mortgage lender is noted for its award winning reputation & customer service.

Ali Ghaziani is the branch manager who will be taking care of SPOA and his dedicated & experienced team is looking forward to helping with all of SPOA’s members & their families home purchase or refinance needs.

About The Program

Bay Equity Home Loans is a local mortgage lender regularly recognized for growth and service in the Industry and several other publications. This dedicated and experienced team is looking forward to serving your refinance and purchase needs. You and your family members are automatically eligible for the following discounts:

  • Appraisal fee credited at closing
  • Highly competitive rates
  • Complimentary credit review
  • 0.50% credit to loan fees
  • Superior service levels and quick closing
See your estimated savings
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About Bay Equity

Bay Equity Home Loans is a full-service retail mortgage lender founded in 2007. The company is a longtime supporter of the Warrior Foundation Freedom Station, donating a portion of the proceeds from each FHA and VA loan funded. We’re here to get you home.Bay Equity is proud to offer Giving to Heroes through participating branches.

Start the loan process

As lending professionals at Bay Equity, we are dedicated to helping you with all of your home mortgage needs.

The housing and mortgage markets are constantly changing. We can help you navigate the many options to find the right loan for you and your family.

Ali Ghaziani

Area Sales Manager

NMLS ID# 300913

(510) 892-2911
2300 Clayton Road
Suite 1300
Concord, CA 94520